What if I started a business?
Starting a business is a household cashflow question before it is a business question. A salary stops or shrinks, costs land early, and revenue arrives later than the plan on paper says. What decides it is whether the money you can reach lasts from the last pay cheque to the first profitable month.
What the startup period rests on
- How much salary stops, whether it stops entirely, and for how many months.
- The startup costs you expect and the months they actually fall due.
- The accessible money you begin with, and how many months of spending it covers.
- The month you assume revenue begins and how quickly you assume it ramps up.
- Household spending through the period, and the point at which you would stop.
Staying employed against going out on your own
Keep the baseline as staying employed and change only the income and the new costs in the copy. Household spending stays as it is unless the decision itself changes it. Read the lowest point of accessible money rather than the closing balance — the startup period is decided by the trough, not by where the plan finishes.
Then push the first revenue month later and flatten the ramp. It is the assumption most often wrong in the optimistic direction, and it is the one the household feels first. If the plan only survives when revenue starts on time, you have found the runway you actually need — before starting rather than after.
Questions worth testing
- How many months of spending does the accessible money cover with no salary at all?
- What happens if the first revenue month arrives six months later than assumed?
- At which month would the plan tell you to stop and go back to employment?
- Does the plan still hold if the startup costs run a third over the estimate?
How to read the result
Worthifi cannot assess whether the business will succeed. Revenue, growth, and costs are all your assumptions, and the app does not use industry data or business survival rates. It also does not model Czech legal forms, accounting, levies, or social and health insurance. This is a planning illustration of household cashflow, not business, tax, or legal advice.
How it works in the app
Add it as a business asset with a starting value, its monthly profit, and a valuation mode — a cashflow multiple, fixed appreciation, or a manual value. Watch its equity build from that profit, net of tax, alongside your other assets.
- Tap “Buy or start a business”.
- Set the starting value, monthly profit before tax, and a valuation mode.
- Check the business's equity and its contribution to net worth over time.
Model this yourself